2-bedroom home, located in the desirable Scottish Highlands 55+ community. Key updates include a new HVAC system installed in 2015, a roof with 30-year architectural shingles and ridge vents added in 2017, and freshly painted interiors. The home also features a sprinkler system and an oversized garage equipped with a wash tub, washer and dryer, shelving/storage cabinets, a workbench, pull-down attic access, and two garage doors (18 x 27, 485 sq ft). Primary Bedroom (11 x 15), Bedroom 2 (10 x 10), Living Room (10 x 17), and Garage (18 x 27, 485 sq ft). The home is heated by gas and cooled by central air.
Community amenities are extensive, with HOA fees covering internet, cable TV, sewer, and access to an Olympic-sized indoor pool, outdoor pool, clubhouse, recreation center, pickleball courts, and more. Scottish Highlands offers additional perks such as a heated indoor 25m pool with an access lift, a 15-person hot tub, several ponds, a recreation hall, a clubhouse, an admin building with a library, billiard and meeting rooms, various sports courts, an exercise room, underground utilities, and storage for boats, trailers, and RVs. The community is golf cart friendly and pet-friendly with restrictions, and it provides lawn maintenance for common areas. It's an ideal location for bass fishing enthusiasts, with numerous surrounding lakes, including the renowned Lake Harris chain of lakes. Information is provided by the owner, and buyers are advised to verify. The HOA fee is $200, which includes basic cable and internet.
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$185,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $148,000 | $148,000 | $148,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.404% | 7.133% | 6.236% |
Monthly Tax Payment | $95 | $95 | $95 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $985 | $984 | $1,248 |
Total Monthly Payment | $1,155 | $1,154 | $1,418 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.